Click Service for More Information…
We want our clients to be prepared for any unforeseeable curveballs that life may possibly throw. We construct a well-structured and properly funded insurance plan with the goal of protecting protecting the assets you have spent a lifetime acquiring.
We will guide you through the complex and sometimes volatile world of stocks, bonds, and mutual funds in order to work toward a balance between desired goal achievement and your tolerance for risk.
An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. Annuities** are a common choice for investors who want to receive a steady income stream in retirement. Money that you invest in an annuity grows tax-deferred. When you eventually make withdrawals, the amount you contributed to the annuity is not taxed, but your earnings are taxed at your regular income tax rate.
In order to assist in wealth accumulation we offer a large variety of fixed or variable annuity products. Our knowledgeable advisors will also take the proper measures to ensure your earnings are dealt with appropriately in regards to taxes on earnings.
Variable and Fixed annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
We will work with your existing tax and legal professionals or can recommend someone to you to ensure that you have a comprehensive estate plan in place. A comprehensive estate plan should include:
- Powers of Attorney
- Living Wills or Medical Powers of Attorney
- Trusts (in some cases)
We will help you establish a comprehensive estate plan, with the goal of providing the maximum benefit and protecting those you care about most.
We assist clients of all ages to take control of their future and calculate the necessary methods and solutions that allow retirement goals to be worked towards. Individualized plans and techniques are clearly defined and implemented immediately upon the approval of our clients.
Our team works with new business owners and long standing successful business owners alike to ensure development of a strategy that allows for efficiency and financial confidence. We also assist with planning necessary for business owners to seamlessly pass on their achievements to their children, partners or new business owners. Our services include buy sell agreements, business overhead insurance, executive benefits, business growth strategies, business continuation, and business retirement planning.
Nearly all aspects of financial planning have tax ramifications. Our team of financial planners will help correlate your goals with the most tax-efficient strategies. We pride ourselves on keeping current with the constantly changing tax laws, allowing us to make an educated decision and change your strategy as we see fit.
Educational Seminars & Workshops
In order to help people understand their finances, Josh Strittmatter offers workshops and seminars on a regular basis. Knowledge is power. We empower clients by educating you on the financial planning process and the various strategies and forms of implementation. By doing so, clients not only understand their plan, you understand the reasoning behind it and as a result are able to make better-informed decisions now and in the future.
By creating a trust, you are taking an important step in managing your wealth and maximizing the value of your estate. Selecting a trustee or successor trustee is a decision that will determine how well your trust functions for you and your beneficiaries over the years.
Your trust is like a business organization. It holds assets, pursues clear, stated goals, and is charged with significant legal and administrative responsibilities. The trustee serves as CEO and should offer the same qualities you would seek in an executive to run a business. Among these are integrity, competence, experience, commitment, objectivity and the ability and willingness to serve. The type of trust you establish, as well as the cost of operating your trust should be a consideration when selecting a trustee.
An alternative investment is defined as an investment that does not fall into one of the three traditional asset types: stocks, bonds, and cash.
As an Independent Investment Services Firm, we have access to various alternative investments that can be useful in diversifying your portfolio. Diversification offers many benefits which can include lowering your overall risk, increasing your return, and providing alternative income options during retirement.
Investing involves risks including possible of principal.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
*LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.
**Annuities: Clients pay the insurance company, and, in return, the insurance company invests the money and at some point in time, often when the client retires, makes periodic payments to the client. The client gives up his or her principal in exchange for a stream of payments.